<aside> 📋 Status: Notified
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Allow users to model different spending levels in different phases of retirement (e.g., higher spending in early active years, lower spending in later years). This could be implemented as a spending multiplier or absolute dollar amount that changes at a specified retirement year. For example, spending 100% of the target for the first portion of retirement, then dropping to 70-80% for the final years. This would better model the reality that retirees often spend less as they age and become less active.
Submitted: May 03, 2026 at 23:48 UTC